The Financializer
Tax-deferred growth
Taxed every year vs taxed once at the end. Same starting cash. Simple classroom math.
Planning
Planning toys
Four gadgets. No quizzes. Drag a slider, watch a pile move, learn the shape — then remember none of this is a plan for your actual money.
Paycheck split
Spend vs save, locked to 100% of an example paycheck. Then a 30-year saved pile.
Stocks vs bonds
Mix the cartoon portfolio. One bumpy 20-year path, one smoother one. Not history.
Interest vs dividends
A contracted coupon stays put. A dividend can wander. Same starting dollars.
This is educational, not advice. Example rates and taxes are illustrations. Real accounts, markets, and tax rules can look different — sometimes a lot. No number on this page is a recommendation.